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1 What c living w an a criticaith l illness mean to you? Da i l y o u t- o f- p ocket e the dis xpense ease w s fo r f i g hile sti hting l l p ay i n g yo u r bills! GROCE RIES CAR HOME PRESC RIPTIO NS Group Comprehensive Critical Illness Insurance Provides lump-sum cash benefits that can help with daily expenses associated with a covered critical illness Group Comprehensive Critical Illness Insurance from Allstate Benefits can help you cover the out-of-pocket expenses associated with a critical illness or you can use the benefits however you wish. ABJ28075-NI Page 1 of 6 (CCI)

2 group comprehensive critical illness insurance No one knows what lies ahead on the road through life. Will you be diagnosed with cancer? Will you suffer a stroke or a heart attack? The signs pointing to a critical illness are not always clear. Critical illnesses may not be preventable, but our coverage can help offer financial protection in the event you are diagnosed. Group Comprehensive Critical Illness Insurance can help offer peace of mind when a covered critical illness diagnosis occurs. Below are two examples of how benefits might be paid. James Smith chooses a $20,000 face amount during his enrolment Six months later he suffers a heart attack, he is hospitalized for three days, and then he is released. He is expected to make a full recovery. Our Group Comprehensive Critical Illness benefit provided James with the following: Heart Attack (100%) $ 20,000 Total Benefits: $20,000 Jane Adams chooses a $20,000 face amount during her enrolment One month later, Jane s doctor tells her she needs aortic surgery to repair a diseased section of her aorta. She has aortic surgery right away. One year later, she undergoes a coronary artery bypass surgery to unblock an artery to allow blood Our Group Comprehensive Critical Illness benefit provided Jane with the following: Aortic Surgery (100%) $ 20,000 Bypass Surgery (100%) $ 20,000 to flow to her heart. Total Benefits: $40,000 James received a $20,000 cash benefit for his Heart Attack. Jane required Aortic Surgery which provided a $20,000 cash benefit, and then received a $20,000 cash benefit for her Coronary Artery Bypass Surgery procedure. Coverage for remaining covered critical illnesses and Waiver of Premium will continue for both James and Jane. The example shown may vary from the plan your employer is offering. Your individual experience may also vary. meeting your needs Our Group Comprehensive Critical Illness Insurance coverage helps offer financial support should a covered critical illness be diagnosed. Guaranteed issue amounts available which means no evidence of insurability required at initial enrolment* Comprehensive Critical Illness benefits plus Waiver of Premium Benefits paid directly to you Coverage supplements your existing health care Covered dependents, if included, receive 50% of your basic-benefit amount Portable you can take the coverage with you if you leave employment * Enrolling after your initial enrolment period requires evidence of insurability. your benefit coverage A percentage of the basic-benefit amount is payable for each covered person under the Group Comprehensive Critical Illness Insurance plan. Each covered critical illness is payable only once per covered person, with at least 90 days separating each covered critical illness. Once the basic-benefit amount has been paid for each covered critical illness, no more benefits are payable for that covered person. COMPREHENSIVE CRITICAL ILLNESS BENEFITS Heart Attack (100%) Pays a benefit when you have a heart attack. Stroke (100%) Pays a benefit when you have a stroke. Major Organ Failure (Transplant or Waiting List) (100%) Pays a benefit when you receive a major organ transplant, or are placed on an organ transplant waiting list. Kidney Failure (100%) Pays a benefit when you have kidney failure. Carcinoma in Situ (25%) Pays a benefit when you are diagnosed with cancer in situ. Invasive Cancer (100%) Pays a benefit when you are diagnosed with invasive cancer. Page 2 of 6 ABJ28075-NI

3 Chest pains occurring October 18 A doctor visit is scheduled Tests results show heart attack You get a cash benefit Alzheimer s Disease (100%) Pays a benefit when you are diagnosed with Alzheimer s Disease. Parkinson s Disease (100%) - Pays a benefit when you are diagnosed with Parkinson s Disease. Coronary Artery Bypass Surgery (100%) - Pays a benefit when you have coronary artery bypass surgery. Multiple Sclerosis (100%) - Pays a benefit when you are diagnosed with multiple sclerosis. Paralysis (100%) - Pays a benefit when you suffer a complete and permanent loss of use of two or more limbs. Deafness (100%) - Pays a benefit when you are diagnosed with total and irreversible loss of hearing in both ears. Blindness (100%) - Pays a benefit when you are diagnosed with total and irreversible loss of sight in both eyes. Aortic Surgery (100%) - Pays a benefit when you require surgery to replace a diseased thoracic or abdominal aorta with a graft. Benign Brain Tumour (100%) - Pays a benefit when you are diagnosed with a brain tumour by biopsy, surgery or examination. Coma (100%) - Pays a benefit when you are unconscious for more than 14 consecutive days. Severe Burns (100%) - Pays a benefit when you are diagnosed with third degree burns over more than 20% of your body. Loss of Speech (100%) - Pays a benefit when you are diagnosed with total and irreversible loss of the ability to speak due to injury or disease. ADDITIONAL BENEFITS Second Event Critical Illness Benefit - Pays a benefit when you are diagnosed more than once with a previously paid critical illness benefit. Second Evaluation Benefit Rider - Pays a benefit for the following: Second Consultation Pays a benefit for a second consultation by a physician, other than your current physician, if surgery or treatment is recommended for a covered critical illness. Non-Local Transportation Pays a benefit for transportation from the covered person s home to the treatment centre for treatment not available locally. Outpatient Lodging Pays a daily benefit for lodging when receiving treatment non-locally for a covered critical illness on an outpatient basis (more than 125 kilometres from home). Family Member Lodging and Transportation Pays a daily benefit for one adult family member when an insured is confined at a non-local hospital for specialized treatment (more than 125 kilometres from home). CERTIFICATE SPECIFICATIONS Employee/Member/Dependent Eligibility - Your employer determines your eligibility. Family members eligible include your spouse and children, domestic partner and domestic partner s children. Employee/Member/Dependent Termination of Coverage - Coverage ends when the policy is terminated, premiums aren t paid, last day of active employment, you are no longer eligible, a false claim is filed, or when all critical illness benefits have been paid. Child(ren) coverage ends at age 21; 25 if in full-time attendance at an institution of higher learning. Spouse, upon valid decree of divorce or your death. Domestic partner, when the domestic partnership ends or your death. Portability Privilege - Coverage may be continued when coverage under policy ends. Waiver of Premium (Employee/Member only) - Pays your premium if you are disabled for a minimum of 90 days in a row due to a critical illness (for which a benefit has been paid) for as long as the disability lasts, for up to 2 years. ABJ28075-NI Page 3 of 6

4 BENEFIT CONDITIONS Benefits are not payable for any critical illness diagnosed prior to the effective date; subject to exclusions and limitations. All critical illnesses must meet the definitions and dates of diagnoses (must be separated by 90 days) for each illness stated in the policy and be diagnosed by a physician while coverage is in effect. Emergency situations outside Canada will be considered by a Canadian physician on foreign soil or when you return to Canada. Exclusions and Limitations We do not pay benefits for: (a) war, participation in a riot, insurrection or rebellion; (b) intentionally self-inflicted injury; (c) engaging in an illegal occupation, felony or attempted felony; (d) attempted suicide while sane or insane; (e) injuries while under the influence of alcohol, narcotics, or controlled substances or drugs, unless doctor prescribed; (f) participation in aeronautics unless a farepaying passenger on a licensed common-carrier aircraft; (g) alcohol abuse or alcoholism, drug addiction or controlled substance dependency. Not included under benefit: Heart Attack - An incidental finding of ECG changes suggesting a prior myocardial infarction, in the absence of a corroborating event, and elevation of cardiac markers to coronary angioplasty unless there are diagnostic changes of new Q wave infarction on the ECG; Stroke - Transient ischemic attacks (TIAs), intra-cerebral vascular events due to trauma, and lacunar infarcts which do not meet the definition of a stroke; Kidney Failure - Does not include the failure of both kidneys due to a traumatic event, such as surgical trauma(s). Alzheimer s Disease - All other dementing organic brain disorders and psychiatric illnesses; Parkinson s Disease - All other types of Parkinsonism; Coronary Artery Bypass Surgery - Balloon angioplasty, laser embolectomy, atherectomy, stent placement, or other non-surgical procedures; Benign Brain Tumour - Pituitary adenomas less than 10mm, tumours of the skull, or germinomas; Coma - A medically-induced coma, a coma which results directly from alcohol or drug abuse, or a diagnosis of brain death. ABJ28075-NI Page 4 of 6

5 Don t wait for a sign... There are different signs that doctors look for when diagnosing critical illnesses. Being diagnosed with a critical illness can be one of the most frightening experiences anyone has to face, especially if you are unprepared. Don t wait to start thinking about the future of your finances. You can rely on our Group Comprehensive Critical Illness Insurance to help give you peace of mind so you can cope with the challenges of treatment. Budget friendly Sometimes, undergoing expensive treatments for a critical illness is difficult if your money is tight. That s where we can help. Our supplemental benefit coverage pays in addition to your major medical insurance to help provide additional funds that may be used to cover your out-of-pocket expenses. Let our supplemental insurance help you and your family cover expenses for a covered critical illness, if and when one occurs. It s the financially smart thing to do. It s never too early to prepare for the future. Page 5 of 6 ABJ28075-NI

6 This material is valid as long as information remains current, but in no event later than February 15, Group Comprehensive Critical Illness benefits provided by policy form GCIP. Group Critical Illness Enhancement Rider (Second Evaluation Benefit) provided by rider form GCIERAC. Coverage is provided by Limited Benefit Critical Illness Insurance. The policy does not provide benefits for any other sickness or condition. This brochure highlights some features of the policy but is not the actual insurance contract. For complete details, contact your Allstate Benefits Representative. This is a brief overview of the benefits available under the Group Comprehensive Critical Illness Policy underwritten by Allstate Insurance Company of Canada (Home Office, Markham, Ontario). Details of the insurance, including exclusions, restrictions and other provisions are included in the issued certificates. This brochure is for use in enrolments sitused in Canada. Allstate Benefits is a trademark of Allstate Insurance Company, used under license by Allstate Insurance Company of Canada Allstate Insurance Company of Canada. Page 6 of 6 ABJ28075-NI

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